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July 2011

The Connecticut Independent Agent


“The Connecticut Independent Agent is the official publication of the Independent Insurance Agents of Connecticut 30 Jordan Lane Wethersfield, CT 06109 Phone: (860) 563-1950 Fax: (860) 257-9981 www.iiact.org

The Connecticut Independent Agent This Issue’s Features Recap of Annual Membership Meeting and Installation of Officers

03

E&O Considerations for the Automated Agent

07

Video Spotlights Agents Council for Technology Resources

10

Connecticut Insurance Department Bulletin PC-69 Applications for Licenses Going All Paperless on August 1

11 11

Connecticut FAIR Plan Announces Retirement of President and General Manager and Successor

12

InsurPac - IIABA Political Action Committee

13

Big “I” Career Center

14

It’s Time to Update Your Disaster Plan

15

IIAC Annual Golf Tournament

19

IIAC Staff Warren C. Ruppar President Tracy Hearn Office Manager / Event Planner Ed Meaney, CPCU Education Director

Independent Agents Services Staff Laura Szatkowski E&O Program Administrator Rosemary Mullaly Lawyers’ Liability Program RLI This publication is intended to provide accurate and authoritative information on the subject matter covered. It is distributed with the understanding that neither IIAC, nor any contributing author, publisher or contributor is rendering legal, accounting or any other professional service and assume no liability whatsoever in connection with its use. Further, the electronic links to our associate membership found in this publication are provided as a courtesy to our readers and do not necessarily indicate an endorsement by IIAC. News items will be accepted / printed at the discretion of the IIAC. No paid advertisements are accepted in this publication. Please contact Warren Ruppar for further information.

In Every Issue July and August Continuing Education Courses

20

Events

22

Big “I” Advantage Programs

23

2010 - 2011 Officers

25

Committees

25

About Us

26

Associate Member Index Associate Members - Insurance Brokers & Services

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Associate Members - Insurance Companies

29

Cover photo: Saint Clements Castle, Portland, CT Photograph taken by Tracy Hearn


113TH ANNUAL MEMBERSHIP MEETING AND INSTALLATION OF OFFICERS On Thursday, June 16th, IIAC held its 113th Annual Membership Meeting and Installation of Officers at Saint Clements Castle in Portland, CT. IIAC elected the new officers for the 2011 – 2012 term, which will begin on September 1, 2011. The new officers are: Chairman: Tom Wilson – The Wilson Agency, Inc., Shelton Chairman-Elect: Michael Gergler, CIC - Wilcox & Reynolds Insurance, LLC, Storrs Treasurer: Jim Suzio, CIC – Suzio Insurance Center, Inc., Meriden Secretary: Kim McGillicuddy, CPCU – Pierson & Smith, a division of First Niagara Risk Management, Norwalk State Director: James Byrnes, III, CIC - Byrnes Agency, Inc., Dayville In addition, Jared Carillo of Charles S. Carillo Insurance in Windsor Locks and Mary Pursell, CPCU of Abbate Insurance Agency in New Haven were elected to the IIAC Executive Committee. The Independent Insurance Agents of Connecticut would like to thank all of the attendees at this event. They would also like to recognize and thank the sponsors whose support helps to keep this event accessible to the membership. Clicking on the sponsors name will link you to their website.

Platinum Sponsors Travelers Gold Sponsors Acadia Insurance Company Andover Companies Chubb Insurance InsurBanc Peerless Insurance Quincy Mutual Silver Sponsors Auto Glass of New England, LLC MiddleOak

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113TH ANNUAL MEMBERSHIP MEETING AND INSTALLATION OF OFFICERS

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113TH ANNUAL MEMBERSHIP MEETING AND INSTALLATION OF OFFICERS

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113TH ANNUAL MEMBERSHIP MEETING AND INSTALLATION OF OFFICERS

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E&O CONSIDERATIONS FOR THE AUTOMATED AGENT By Keidel, Weldon & Cunningham, LLP About this article: A noted law firm specializing in agencies’ E&O defense work provides several recommendations as to how agencies can use their technology most effectively to protect against E&O exposure.

Technology is providing agents and brokers (“agents”) today with several tools to increase sales and profitability, as well as to provide better customer service. Automation is also helping many agencies manage their E&O risks more effectively, because of its capabilities to retain accurate data, foster consistent processes, document transactions and conversations and generate reports to monitor adherence to agency procedures. However, if the agency does not implement its technology in a disciplined way, this same technology can be used against the agency in connection with an E&O claim or lawsuit. ACT requested the law firm, Keidel, Weldon & Cunningham, to provide this overview of E&O considerations agents should keep in mind when using technology, given the firm’s expertise in defending agents in E&O lawsuits. Electronic Delivery of Insurance Policies It is crucial in defending many E&O claims and lawsuits that the agency be able to demonstrate that it delivered the insurance policy to the customer. Without this evidence, we are unable to raise one of our most valuable defenses – the “Duty to Read” defense. However, many agencies are now delivering insurance policies and other insurance documents to customers in electronic form rather than in paper form. Providing insurance documents to customers in this way can help save both time and money and also allows the agency to provide a higher level of customer service. Any agency that is contemplating the delivery of electronic copies of insurance documents to customers should follow a few simple steps in order to better serve the customer and help protect against an E&O claim or lawsuit. First, the agency should make certain that the customer consents to electronic delivery and

ACT is a partnership of independent agents, companies, technology vendors, user groups, and associations dedicated to enhancing the use of technology and improved work flows within the Independent Agency System.

understands that going forward, until such time as he or she indicates otherwise, he or she will only receive electronic copies of insurance documents and will not receive paper copies. The best practice for the agency to follow is to have the customer sign a letter acknowledging his or her acceptance of this practice. If policies are being emailed to customers, the agency should not rely upon automatic receipts, since sometimes they can be falsely generated by the recipient’s antivirus software. Instead, the agency should request that a customer who is sent a policy by email affirmatively respond that he or she has, in fact, received the email and attachment. If the customer does not affirmatively respond, the agency should be sure to call the customer to confirm receipt, and then be sure to make a note of that conversation in the agency management system. If a customer is being provided with an electronic copy of his or her insurance policy that is contained on a CD, the agency should be sure to send or hand deliver that CD along with a letter stating that the electronic document is the policy and that the customer should be sure to review the policy carefully and advise the agency of any questions he or she may have or changes that need to be made. In addition to email or delivering a copy of the insurance policy on a CD, there is also an electronic system whereby an agency sends an email to the insured with a link to a stand-alone secure server where the client can obtain a copy of his or her policy. If the insured retrieves an electronic copy of his or her policy, the agency management system is documented to show that it was retrieved, by whom it was retrieved and when it was retrieved. However, if the insured does not retrieve the electronic copy of his or her policy,

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an email is sent to the agent to advise that the policy has not been retrieved. The agency can then either send the customer another email reminding him or her to access the policy through the secure portal or print the policy out and send it the old fashion way via the mail. Notes of Discussions with Insureds and Insurers The rule within every agency should be that all employees must consistently make notes within the agency management system of any discussions with insureds, insurers or anyone else that concern in any way issues related to coverage or claims. The agency management system notes the date and time for any such notes which are entered. These notes can be very powerful proof if needed to defend the agency against an E&O claim or lawsuit. There are five important aspects to documenting any communications, and they are as follows: 1. Note the date, time and duration of the conversation; 2. Note the name and title of the individual that your agency is communicating with; 3. Note how the conference took place, such as office conference, telephone conference and/or cell phone conference; 4. Note the salient points of the conversation; and, 5. If possible, follow-up with the insured in writing to confirm the conversation. While this seems extremely basic, you would be amazed at how many times we open an agency’s file and the notes are missing such details as whom they spoke with, or where the conversation took place, or even the issues that were discussed. Without some, or all, of this basic information, it may be more difficult or even impossible to defend an agent in an E & O claim properly. Activities Noted in the Agency Management System Activities that are created within the agency management system are a great way for employees to diary matters for follow-up. No matter what agency management system you are utilizing, the first and most important thing to confirm is that any activity performed is reflected by an activity within your system. For example, if your agency creates a certificate of

insurance for a customer, your agency management system should create an activity in the activity log that corresponds to the creation of the certificate of insurance. This would likewise apply to any other type of task, such as the completion of applications, change endorsements, performing a function on the carrier website, etc. The second most important thing to keep in mind is that the activities that are created should always be closed when the activity has been completed. A very powerful piece of evidence in defending E&O claims and lawsuits is to demonstrate that an activity was opened, handled and then closed when completed. Conversely, it can be very damaging for an agency to have activities within its agency management system that have never been followed up on; or if they have been followed up on, they have not been closed. Accordingly, every agency should make certain that all employees are creating, following up and then closing all activities within the agency management system. Voice Mail Messages and Disclaimers Voice mail messages are regularly left by customers on the voice mail system of agencies, asking questions on coverage, reporting claims, and requesting changes in coverage. For this reason, it is recommended that a voice mail disclaimer be used on both the message for every employee and also on the main message for the agency. This disclaimer should state that coverage cannot be bound or modified, nor can a claim be reported, by use of the voice mail system. In addition, it is a good practice for an agency to consider adopting a procedure whereby voice mail messages are retained either in the original recorded form or in written form. Some agency management systems are compatible with phone systems to allow a copy of voice mail messages to be attached to an insured’s electronic file. There are also programs that exist where you can have a written version of your voice mail messages sent to you by email and then retain that written version of the message. Disclaimers for E-mail, Websites and Social Media Sites In addition to a disclaimer on voice mail, it is also important for every agency to have similar disclaimers on

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their email transmissions, websites and social media sites. Some agencies advise us that they like to use email for their customers to report claims. For those agencies, the disclaimer might state as follows: “Please note that an email will not be effective to report a claim or request a coverage change until such time as you receive a confirmation from us that the claim submitted or change requested has been processed.” Additionally, some agencies have interactive websites that allow customers to report claims or request policy changes. A similar type of disclaimer should be used for those interactive web sites as well. Where an agency or brokerage is utilizing a social media site like Facebook or Twitter, the agency should use a disclaimer similar to that mentioned above with the addition of advising that these vehicles should not be used to communicate client specific information to the agency, any content the customer provides becomes the property of the agency and the agency is at liberty to add, modify or delete any content that is not acceptable. Certificates of Insurance Certificates of insurance are still one of the largest sources of E&O claims and lawsuits. As such, it is important for every agency to have good documentation concerning how certificates were issued in the event an issue arises related to a certificate. The agency should be sure to retain, either in paper form or electronically, a copy of every certificate of insurance issued. While agency management systems will automatically save a copy of the certificates on the system, one problem we have encountered is that many of those systems will only print out the current date (not the date that the actual certificate was issued). Because of the importance of having an exact copy of the actual certificate that is issued (including the exact date it was issued), agents should make certain that if they are saving the copies of certificates electronically, and not in a paper form, that their agency management system will either:

(a) print out the date that the certificate was actually issued if the certificate is printed at a later date; or (b) scan a copy of the certificate that is actually issued by the system and maintain an electronic copy of it within the respective insured’s file. ACORD Forms It is equally important that every agency use the most current and up-to-date ACORD forms in connection with its daily operations. Doing so will help protect the agency from potential E&O claims and lawsuits and will often also help better serve your customers. For example, the ACORD 80 Homeowners Application was revised in October 2009, but some agencies appear to still be using the earlier versions of the application. The new ACORD Homeowners Application now contains five pages and it is akin to a checklist of coverages and exposures which is one of the best means to dispute a claim by a customer that coverages were never reviewed. Reviewing the completed application with customers will help protect the agency from claims that the agency did not review a particular type of coverage with the customer or ask about a certain exposure that may exist. Another form that is often not used by agencies in its most current version is the ACORD 25 Certificate of Insurance. The most recent version of the ACORD 25 is the May 2010 edition. As mentioned above, because certificates of insurance are involved in a great many E&O claims and lawsuits, it is of the utmost importance that agencies use the most recent version of the ACORD 25 Certificate of Insurance. Downloads and Uploads Another area we would like to address is the agency’s uploading and downloading documents and information from the insurers with whom they do business. While we understand that uploading and downloading has become a major tool to increase agency efficiency, there are several points to keep in mind: 1. Confirm that your agency management system is not allowing your agency’s downloads to change the applications from insureds unless it creates a new version.

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2. Downloads can greatly enhance the accuracy of the agency’s data which is essential when counseling insureds, but it is important to audit these downloads regularly to make sure they are accurate and that the agency’s database contains good data overall. Critical to all of these recommendations is that the agency incorporate them into its written procedures, train its employees on them and require that they be followed, as well as audit the agency’s systems regularly to make sure the procedures are being followed. This overview is not meant to be an exhaustive list of potential E&O issues that you may face when you examine the electronic side of your business. Agencies should always keep in mind all of the other E&O risk management principles that they have learned and how the technology they are using might impact them. Editor’s Note: Additional ACT articles on agency E&O and risk management issues are available on the ACT website, such as “Don’t Get Caught in the Web” (agency website exposures); “Agency E&O Considerations When Using Social Media”; “Creating a Social Web Policy for Your Independent Agency” (comprehensive checklist); and “ACT Prototype Agency Information Security Plan” (tool to build your agency’s written information security plan). All of these tools are available at the “Websites & Social Media” Quick Link in the gray shaded portion on the left of the ACT home page (www.iiaba.net/act), except the prototype agency information security plan is at the “Security & Privacy” Quick Link.

NEW VIDEO FROM BIG "I" CEO SPOTLIGHTS AGENTS COUNCIL FOR TECHNOLOGY RESOURCES ACT gives independent agencies a technological boost. Is your agency using all the available technological tools to enhance your productivity? Are you maximizing technology to better weather the tough economy and soft market? Are you confident that your agency emails are secure and your clients' personal information is completely protected? If you cannot answer "yes" to any of these important questions, click here to watch Big “I” President & CEO Bob Rusbuldt’s new video message on the crucial work that the Agents Council for Technology does every day and how you can take advantage of it.

This article was prepared for ACT by Jim Keidel, Chris Weldon and Darren Renner of Keidel, Weldon & Cunningham, LLP, a law firm located in New York, Connecticut, New Jersey and Rhode Island, concentrating its practice in the defense of insurance agent and broker E&O claims and litigation, loss control and education, as well as insurance coverage analysis and litigation and insurance regulatory matters for insurance agents and brokers. J im or Chris can be reached at 914 -948-7000 or by email at jkeidel@kwcllp.com and cweldon@kwcllp.com . This article reflects the views of the authors and should not be construed as an official statement by ACT. Independent Insurance Agents of Connecticut - www.iiact.org - July 2011

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CONNECTICUT INSURANCE DEPARTMENT BULLETIN PC-69 The Connecticut Insurance Department has issued Bulletin PC-69 concerning Consumer Protections Regarding the Use of Credit Required by Public Act 10-7. This new requirement is effective July 1, 2011. We recommend that agents contact their companies to discuss the implementation of this requirement.

COMMISSIONER LEONARDI: APPLICATIONS FOR LICENSES GOING ALL PAPERLESS ON AUGUST 1 Online Applications Part of Statewide Push For More Efficiencies, Cost-Savings Connecticut Insurance Commissioner Thomas B. Leonardi has announced that beginning August 1, 2011 applications for licensing will be accepted and processed only online, another move the Department is making toward greater efficiency and most cost-savings for the state. The Commissioner noted that the Department already allows licensees to print their licenses online, resulting in postage, printing and other savings to the state. “We will be able to process applications with greater speed and we want to make sure that licensees are notified well in advance of the August 1 switch,” Commissioner Leonardi said. “The Department continues to update and improve our online services so that we can better serve consumers, licensees and the industry. So much of what we do in our everyday lives is handled with the click of a mouse or key stroke – whether it’s paying bills, buying goods or making appointments – that we anticipate a seamless transition.” The online system will apply to new, reinstatement and amendment applications only for: Producer (Residents Only) Surplus Lines Broker Casualty Claim Adjuster Certified Insurance Consultant Life Settlement Broker Motor Vehicle Physical Damage Appraiser Public Adjuster Reinsurance Intermediary Beginning August 1, applications must be completed online at CID Licenses Online. For more information on the August 1 licensing change, contact the CID Licensing Division at 860-297-3845 or by e-mail at cid.licensing@ct.gov ATTENTION PRODUCERS: Non-resident producer applications must be completed at National Insurance Producer Registry (NIPR) Resident producer may also complete their applications at National Insurance Producer Registry (NIPR) Resident and non-resident producer renewals must be completed at National Insurance Producer Registry (NIPR) To read the original copy of this bulletin posted on the Connecticut Insurance Department website, click here. Independent Insurance Agents of Connecticut - www.iiact.org - July 2011

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DONALD VIEWIG RETIRES FROM THE CONNECTICUT FAIR PLAN WILLIAM GRISWOLD IS NAMED THE NEW PRESIDENT AND GENERAL MANAGER The Connecticut FAIR Plan has announced that Donald Viewig is retiring as President and General Manager and William Griswold has been appointed to this position. Don Viewig, CPCU has been the President and General Manager of the Connecticut FAIR Plan since January 1995. Prior to that, he spent 21 years with the former Aetna Life and Casualty. As President and General Manager Don was Chairman of PIPSO (Property Insurance Plans Service Office) serving the FAIR Plans and Wind Pool and was chair of the PIPSO Human Resources Committee. Don is an active member of the Connecticut Chapter of CPCU, serves as a continuing education instructor, new agents licensing class instructor and recently retired as a member of the CPCU National Ethics Committee. Don, a Navy veteran, is moving to Michigan to be near family and grandkids. IIAC congratulates Don on his retirement. We thank him for his many years as a volunteer instructor for IIAC and wish him the best in the future. William G. Griswold, CPCU was selected as the president of the CT FAIR Plan effective July 1, 2011. Bill’s career spans 37 years of service and consulting to the insurance industry with Fireman’s Fund Insurance Company, GEICO, Deloitte and Anderson LLP Consulting. Bill has been the Claims Manager of the FAIR Plan for the past 5 years. Bill received his BS in Business Administration from the University of Connecticut and his MS in Business from Johns Hopkins University where he was a recipient of the Stegmen Award for exceptional academics. He is an active member of the Connecticut CPCU Chapter and holds Associate’s designations from the Insurance Institute of America in Management, Underwriting, and Research & Planning. He is a licensed claims adjuster and has undertaken numerous speaking and presentation opportunities throughout his career. Bill was honorably discharged as a Captain from the US Army. IIAC looks forward to working with Bill and congratulates him on his new position.

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INSURPAC Independent Insurance Agents & Brokers of America Political Action Committee InsurPac, the political action committee (PAC) of the Independent Insurance Agents & Brokers of America (IIABA), was established in 1975 to complement IIABA’s legislative program. In the 2009 - 2010 election cycle, InsurPac raised more than $1.9 million, affirming its place as the largest property-casualty insurance industry PAC in the country and one of the largest federal PACs among all industries. Less than 1% of all federal PACs achieve this level. By pooling the voluntary individual financial contributions of thousands of independent insurance agents and brokers, InsurPac supports candidates and members of the U.S. House of Representatives and U.S. Senate who share IIABA’s small business philosophy. InsurPac and IIABA are separate but affiliated organizations. InsurPac’s governing board of trustees is appointed by IIABA’s Executive Committee. All InsurPac disbursements are reported to the Federal Election Commission.

We thank the following Connecticut agents that have contributed to InsurPac this year: Millennium Club Spencer Houldin - Ericson Insurance Services Platinum Club Michael Gergler - Wilcox & Reynolds Insurance, LLC Centennial Club James Byrnes - Byrnes Agency, Inc Peter Houldin - Ericson Insurance Services Warren Ruppar - Independent Insurance Agents of Connecticut, Inc. Gold Club Craig Dawley - Pinnacle Group, Inc. Kim McGillicuddy - Pierson & Smith, a division of First Niagara Risk James Suzio - Suzio Insurance Center, Inc. Pioneer Club Michael Keating - Michael J. Keating Agency, Inc. Richard Oulundsen - Jones, Raphael & Oulundsen, Inc. Kevin Reardon - The Reardon Agency, Inc. Founders Club Rocco Camera - Shoff Darby Companies, Inc. Alan Cassanelli - Newberry Agency Inc Matthew Desaulnier - Gerardi Insurance Services, Inc. Nicholas Fanelli - Raynard & Peirce, Inc. Guy Hatfield - Hatfield Insurance Agency, Inc. Susan Reardon - The Reardon Agency, Inc. General Contributor Randall Brooks - Grover Insurance, LLC Daniel Clock - F. North Clark Insurance Agency Roland Dumont - Roland Dumont Agency, Inc. Garret Ratcliffe - Jones, Raphael & Oulundsen, Inc. Michael Rivers - Tracy-Driscoll & Company, Inc. Richard Roy - Artizan Internet Services, LLC Frank Suzio - Suzio Insurance Center, Inc. Stephen Todd - Burns, Brooks & McNeil Thomas Wilson - Wilson Agency, Inc.

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The Big “I” Career Center is just one of the member benefit products and services designed to help agencies succeed in today’s competitive environment. Online technology allows great employers and great employees to connect through an easy-to-navigate, secure Web site. Agencies can post open positions or browse through resumes that have been submitted for consideration. The Big “I” Career Center provides access to people who may be looking to move from carriers, captive agents and independent agencies. Are you an insurance professional looking for employment? The Career Center allows professionals to post a resume online for employers to view and to search for open positions in specified areas. Resume postings are free and private. The Career Center can be found at the top of the IIAC website. Effective for Employers Easily access a specialized talent pool Recruit qualified employee candidates more cost effectively Spend recruiting dollars with the association that benefits your industry Post job announcements in real-time from your desktop Conduct targeted, confidential searches of the resume database Track activity online to measure and report recruitment advertising results Pricing - The Big “I” Career Center offers a variety of choices: 180-Day Internship Posting: Free One 60-Day Job Posting: One 90-Day Job Posting: $150 One 180-Day Job Posting: Three 180-Day Job Postings: $500 Details on the above are available on the “Employer” section of the Career Center.

$100 $250

Easy for Job-Seekers Conveniently search job announcements by multiple criteria Post resumes online at no charge Save time and money by applying for jobs online Receive email alerts when jobs matching your criteria are posted Caliper Discount Once you’ve got a prospective hire, how can you determine whether the prospect will really achieve once they are hired? Use your IIABA member discount on Caliper’s testing products to help determine whether a prospect is the right fit. For more information about Caliper’s products and to receive your IIABA member discount, visit www.independentagent.com/ Caliper Visit www.iiact.org and click on “Career Center” today! Independent Insurance Agents of Connecticut - www.iiact.org - July 2011

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Portability provides a great advantage so you can reach your agency management system, email and other systems anywhere and anytime. Have a substantial agency website with needed agency and carrier contact information. This is where customers will look first after a disaster. Have your website hosted off- site in area that will not be affected by the disaster. Claims download should be implemented as soon as possible. Encourage your vendor and carriers to offer it if they do not already. Customer claims inquiry on the carrier website is an important tool in handling the surge in customer inquiries following a disaster. The industry needs to work to extend this functionality out to the agency website as well. Agents should implement real-time claims inquiry from their agency management system wherever possible to cut the time to handle these inquiries to under a minute. Give customers and agents the capability to file claims online. This can be more efficient than filing the claims by phone when phone service is intermittent and unreliable. Implement real-time claims inquiry, real-time rating, and the other real-time capabilities available to you so that you can service customers in as little time as possible and continue to write new business in the aftermath of a disaster.

It’s Time to Update Your Disaster Plan By Jeff Yates, ACT Executive Director Disaster planning is for every independent agency. Nearby construction can take out your electricity or sever your connections to the Internet, putting your staff out of commission for several days. A computer virus can bring your systems down, resulting in costly down time and an inability to service your customers as they expect to be serviced. Has your agency taken the proper precautions to handle these disasters, let alone a fire, flood, hurricane, tornado, or earthquake? Does your staff understand what is expected of them to safeguard against disasters and what their role will be if a disaster were to occur? The following checklist is based upon recommendations contained in ACT’s reports and is designed to assist agencies in updating their current disaster plans. The Key is Pre-Planning Think through different contingencies & how agency will respond; develop a written plan; test & practice different scenarios. Train each employee on his or her roles both to prevent disasters and to help the agency and its customers deal with the aftermath. Have a plan to access additional staff resources should current staff not be available. Conduct an annual network assessment of your disaster plan & your security plan, and update as needed. Maintain valuable papers and agency records off site in a secure facility. Include specific triggers in your plan that will set it into motion as foreseeable disasters approach. Technology Positions Agencies to Handle Most Disasters More Effectively Move from paper to electronic files wherever possible. Implement download for commercial lines as well as personal lines. The management system is the go to place for client information.

Take Advantage of Third Party Resources that Will Keep Your Agency Functioning In the Aftermath of a Disaster Consider 24/7 remote telephone service to handle customer inquiries if the agency’s communications are down, as well as the tremendous spike in claims that is possible. These services possess a mirror of the agency’s database. Consider engaging a firm to provide emergency equipment & facility replacement if needed. Consider remote hosting of agency management system. Consider remote service for backup of your data, in addition to your tape backups.

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Host your agency website in a secure facility out of the area where the disaster might strike. Consider hosting your email off site or have a back up Internet agency email account. Consider having a technology firm to provide emergency services, help desk, on-site assistance and equipment when needed. It is important to formulate these relationships in advance, and understand your vendors’ disaster plans. Pre-arrange to have a temporary office at branch or “buddy” agency. Make provision for emergency housing following a disaster if needed. Have maintenance contract for generator, including refueling in the aftermath of disasters. Employee Communications Set up employee phone tree, including emergency contact information for each employee. Set emergency call in number, email & text messaging for employees. Customer Communications Maintain customer emergency contact information. Give customers emergency contact information for agency. Train customers to go to agency website for emergency contact information for agency, their carriers, and other services. Consider a letter to customers at start of hurricane season detailing their carriers, coverages, and emergency contact information for the agency and their carriers. Consider ad campaign to encourage consumer preparedness for disasters, with helpful information located on agency website. Consider using email and automatic call outs providing customer information when a storm is imminent. Reach out to customers in aftermath with website, signage, newspapers, radio, and TV. Prepare messages in advance. Lists / Information You Will Need in Electronic & Paper Form When You Evacuate Employee telephone tree with emergency contact information.

Carrier contact information and carrier passwords (take security precautions with respect to this information). Phone company & other agency vendor contact information. Contacts for emergency assistance & services. Complete customer list, with emergency contact information, location addresses, policies, carriers, limits, deductibles, and lien holders. Rolodex and copies of the disaster plan. Expiration list of policies to be processed for next six months. Activity lists of things coming up for next two months. Equipment inventories and valuable agency papers. Take security precautions with regard to all of this information! Telephones Switch over phone lines at the phone company switch to emergency service before disaster. Investigate capability to do this automatically online. Have access to multiple cell phone services, satellite phones, and text messaging. Implement Voice over Internet for backup communications capability. Have alternative phone line that bypasses the telephone switch in your office to which the agency’s regular phones can be switched if you lose power. Computers Have multiple ways to reach the Internet. Take advantage of wireless and portability. Have laptops with broadband mobile access cards and wireless Internet. Have smart phones & PDAs with cellular broadband access that can act as a high speed modem. Seriously evaluate ASP option for agency management system. Ask how they can help if you don’t have Internet connection. Have procedures for properly turning on and off critical equipment, including the UPS battery backup units. Test these procedures periodically. Investigate portable satellite dish for Internet access which is coming on the market.

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Back up of Agency Data is Absolutely Critical Create daily backups, and have two trusted, authorized employees alternate taking the daily tapes to two different locations. Also maintain monthly and annual tapes. Perform test restore at least monthly to test the integrity of the tape and the integrity of the data. Invest in secondary form of data archiving to provide redundancy (tape, remote, external hard drive). Seriously consider using online remote service as primary back up method, coupled with tapes. Be prepared to Fed-Ex a tape of the latest database to agency management system’s data center if a disaster is imminent. Keep copy of backup software, with its key code, off site in a secure place. Manage the security risks presented when taking each of these steps. Generators Consider having a permanent generator large enough to supply continuous power to entire facility, wired for automatic cross-over, located in as safe a place as possible. Each server & work station needs to be fitted with a proper Uninterrupted Power Supply (UPS). Never plug computer equipment directly into a generator. Test generator under an electrical load to make sure it is producing electricity. Contract with vendor to provide ongoing maintenance and testing and to deliver fuel during emergencies. When a Foreseeable Disaster is Imminent Fed-Ex a tape of the latest database to the agency management system’s data center. Consider email and automatic call outs to customers with emergency contact information. Staff should complete processing of all work that is outstanding, especially as it relates to coverage relating to the disaster. Make sure all needed lists are up-to-date in paper form, as well as exported to a laptop & portable storage device. Tight security is imperative on each of these items.

Make sure all needed lists are up-to-date in paper form, as well as exported to a laptop & portable storage device. Tight security is imperative on each of these items. Make sure all employees know their assignments & have made clear how they can be reached in emergency. If possible, load your agency management system application onto a laptop along with your “latest and greatest” data file for instant access. Take all security precautions to protect your data. If you utilize an on-line data backup service, upload to them if possible. Wrap and label all employee work to be done to protect it. Take reasonable steps to protect all equipment. Redirect your phone numbers before the disaster. Disconnect all electrical equipment from the wall. If destruction of file server is imminent, consider taking the server with you if you know how to disconnect it and handle it safely. Shut off water and gas lines. Have needed provisions on hand, including enough cash for a few weeks. Needed Provisions Fans, extension cords, batteries, flashlights, battery-powered lamps and radios, and low heat, lowenergy lighting available to use with your generator. Sufficient bottled water to handle employees’ and customers’ needs for two weeks. Canned or dry food goods that do not require refrigeration or cooking, as well as beverages and snacks for employees & customers. Can openers, paper/plastic utensils, plates and cups, trash bags, bleach, paper towels and cleaning supplies, and hand wipes. First aid supplies and blankets. Have paper ACORD claims forms available, carbon paper, and other office supplies, as well as digital cameras. Matches, barbeque grill, fuel for grill.

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Customers’ & Employees’ Special Needs in the Aftermath of Disasters Be aware there will be significant emotional and psychological effects after major events. Provide drinks & food. Have a volunteer or staff member manage the client process, create waiting lists, and direct claims process traffic. Staff should caucus each day to adjust response as necessary. Carrier Issues Understand in advance each of your carrier’s CAT plans, the local presence they will have, and how they will permit you to make multiple claims efficiently. Understand how your MGAs, E & S Brokers, and their carriers will handle claims. Seek draft authority or methods to provide customers with emergency funds immediately. Seek the ability to file claims online, since other types of communication may be intermittent or non-existent. E&O Considerations Document in writing prior to the anniversary date if you are unable to replace coverage. Advise customers of significant reductions in coverage when you replace coverage with a new carrier or write/renew the coverage with a surplus lines carrier and secure customer’s written acknowledgement of the reduction in coverage. Where an admitted carrier renews the policy, state laws usually put the obligation on the carrier to notify the customer of reductions in coverage (not so with a non-admitted carrier). Be especially careful to follow all of the laws with surplus lines placements, point out coverage reductions or coverage gaps to customers, along with the fact that surplus lines carriers are not typically covered by the guaranty fund. Get binders, certificates or other evidence of insurance from the surplus lines broker because the retail agent does not have binding authority for this business.

Advise the customer in writing of any adverse change in the carrier’s A.M. Best rating during the policy term. Request a signed rejection form from customers that refuse available coverage for flood insurance (and/or earthquake insurance in appropriate areas). Clearly communicate to customers the exposed limits on their risks. Create a well documented file. Summarizing Some of the Key Issues Pre-plan. Have redundancy in communications, Internet access, and backups. Make arrangements with third party emergency resources. Become paperless; implement download & realtime. Understand critical nature of good data back-ups to recovery. Take advantage of wireless technologies for voice and data, as well as the portability of PCs and portable devices. Have emergency contact information for employees, customers, carriers, and third party emergency resources. Have needed lists of information ready. Make sure employees & customers know how to reach you. Know your carriers’ CAT plans. Carefully evaluate the E&O exposures that arise in these situations and manage them.

Jeff Yates is Executive Director of the Agents Council for Technology (ACT) which is part of the Independent Insurance Agents & Brokers of America. Jeff Yates can be reached at jeff.yates@iiaba.net. ACT’s many reports and business improvement tools can be found at www.independentagent.com/act. This article reflects the views of the author and should not be construed as an official statement by ACT.

Independent Insurance Agents of Connecticut - www.iiact.org - July 2011

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22nd ANNUAL IIAC GOLF TOURNAMENT TEAM SCRAMBLE Open to all Agents, Clients, Company Representatives and Vendors

THURSDAY, AUGUST 4, 2011 (Rain or Shine) BLACKLEDGE GOLF CLUB, HEBRON, CT Sponsored by: IIAC Young Agents Committee

2011 Sponsors to Date

Bagged Lunches Courtesy of Travelers Sponsorships are still available for the Following items: Beverage Carts on the Course Breakfast Door Prizes Raffle Prizes For more information regarding sponsorship opportunities Contact Tracy Hearn at IIAC (860) 563-1950 9:00 A.M. Registration & Putting Contest

10:00 A.M. SHOTGUN

Andover Companies Auto Glass of New England Chubb Insurance CNA Coastal Agents Alliance, LLC Computer Rescue Connecticut Underwriters Crystal Restoration Services Harleysville Insurance John A. Woods Appraisers

Maritime Program Group New London County Mutual Northeast Surety LLC Peerless Insurance Plymouth Glass & Mirror Plymouth Rock Assurance Quincy Mutual Servpro of Norwich Utica National

$115 PER PERSON (includes Greens Fee, Cart, Dinner, Prizes)

There are limited openings. Payment must be received within seven (7) days to confirm your reservation - if payment is not received within seven (7) days, your reservation will be given to the next person in line. All payments must be received prior to the outing. $115 Per Person In order to reserve a foursome, please include all players in your group. Player #1 should be the “Key Contact Person.” PLAYER (1): ______________________________________

E-MAIL:________________________________________

AGENCY/CO & FULL ADDRESS: ______________________________________________________________________ ** Please include address for sending confirmation - INCLUDE ZIP CODE **

PHONE:

(_______)____________________________

PLAYER (2): ______________________________________

FAX:

(_______)___________________________

E-MAIL:________________________________________

AGENCY/CO & FULL ADDRESS: ______________________________________________________________________ PLAYER (3): ______________________________________

E-MAIL:________________________________________

AGENCY/CO & FULL ADDRESS: ______________________________________________________________________ PLAYER (4): ______________________________________

E-MAIL:________________________________________

AGENCY/CO & FULL ADDRESS: ______________________________________________________________________

Check enclosed for: Player (1) _____

Player (2) _____ Player (3) _____ Player (4) _____ MAKE YOUR OWN FOURSOME (OR BE MATCHED)

CHECK MUST ACCOMPANY REGISTRATION FORM (make check payable to “IIAC”) Mail Registration & non-refundable entry fee to: IIAC, 30 JORDAN LANE, WETHERSFIELD, CT 06109 Independent Insurance Agents of Connecticut - www.iiact.org - July 2011

Page 19


Sun

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P&C Pre-Licensing 8:30 - 4:30 Wethersfield

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Personal Auto Insurance 8:30 - 4:30

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A COMPLETE ANNUAL CALENDAR CAN BE OBTAINED ON THE “EDUCATION” PAGE OF OUR WEBSITE CONNECTICUT CONTINUING EDUCATION REQUIREMENTS All resident agents are subject to continuing education for every line of authority. The Connecticut Insurance Department has an extensive website (www.ct.gov/cid) offering information on licensing, forms, statutes, regulations (proposed and finalized) Please take advantage of this web site for valuable information. Individual transcript information can be obtained by accessing www.sircon.com. Once on the website, select “For Individual Agents” from the “Products and Services” menu. Under “Quick Start for Agents” (at the top of the page) select “Look Up Education Courses / Credits.” This will bring you to an “Inquiries” page. Select “Continuing Education Transcript Inquiry.” Select “Connecticut” from the drop-down menu. Enter your license number and last name and click “submit.” You will now be able to view and print your transcript. Please note that transcripts are only accessible using producer license numbers. Social Security numbers are no longer usable. Flood Insurance Course Requirement Newly licensed agents are required to complete a flood program course during their first compliance period.


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Laws, Regulations & Ethics Seminar 8:30 - 12:10

L&H Pre-Licensing 8:30 - 4:30 Wethersfield

L&H Pre-Licensing 8:30 - 4:30 Wethersfield

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FLOOD Insurance 8:30 - 11:30

A COMPLETE ANNUAL CALENDAR CAN BE OBTAINED ON THE “EDUCATION” PAGE OF OUR WEBSITE CONNECTICUT CONTINUING EDUCATION REQUIREMENTS All resident agents are subject to continuing education for every line of authority. The Connecticut Insurance Department has an extensive website (www.ct.gov/cid) offering information on licensing, forms, statutes, regulations (proposed and finalized) Please take advantage of this web site for valuable information. Individual transcript information can be obtained by accessing www.sircon.com. Once on the website, select “For Individual Agents” from the “Products and Services” menu. Under “Quick Start for Agents” (at the top of the page) select “Look Up Education Courses / Credits.” This will bring you to an “Inquiries” page. Select “Continuing Education Transcript Inquiry.” Select “Connecticut” from the drop-down menu. Enter your license number and last name and click “submit.” You will now be able to view and print your transcript. Please note that transcripts are only accessible using producer license numbers. Social Security numbers are no longer usable. Flood Insurance Course Requirement Newly licensed agents are required to complete a flood program course during their first compliance period.


2011 IIAC EVENTS 22nd Annual Golf Tournament Sponsored by the IIAC Young Agents Committee August 4, 2011 Blackledge Golf Course, Hebron, CT Mid-Year Convention November 10, 2011 Aqua Turf Club, Plantsville, CT Spring Conference Sponsored by the IIAC Young Agents Committee Was held on May 12, 2011 Saybrook Point Inn, Old Saybrook, CT Annual Dinner Meeting and Installation of Officers Was held on June 16, 2011 St. Clement’s Castle, Portland, CT Additional information and registration forms for the above events can be obtained by clicking on the event name above, going to the “Events” page of our website or by contacting Tracy Hearn at 860-563-1950 or emailing to thearn@iiac.org.

Independent Insurance Agents of Connecticut - www.iiact.org - July 2011

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ARE YOU TAKING ADVANTAGE

??

??

OF ALL YOUR MEMBERSHIP HAS TO OFFER??

Big “I” Advantage Programs

Big “I” Professional Liability As a member of your state association, you have access to the Big “I” Professional Liability program, the most respected and comprehensive program in the business offering a variety of insurance agent’s E&O products that are hand-selected for their superior reputation and exceptional performance. With comprehensive rates and a long-term market, the Big “I” Professional Liability program is properly positioned to meet your professional needs, protecting the future of your agency. www.iiact.org - Member Resources page / Or call Laura Szatkowski at 860-563-6510

Big “I” Markets Exclusively available to Big “I” members, IIABA’s online market access program features specialty/niche coverages, program business and hard-to-find markets. Unlike similar programs, there are no registration fees, no volume commitments and competitive commissions. www.bigimarkets.com

Big “I” Flood Big “I” Advantage operates as a managing general agency and agents participate as sub-producers for the Big “I” Flood Program. Selective Insurance Company is our provider for this NFIP Write-Your-Own program and they make writing flood insurance easy and profitable leaving the method of quoting up to the agent. www.independentagent.com/flood.

Big “I” Retirement/Benefits Having trouble deciding which retirement plan is right for you or your agency? Big "I" Retirement Services is here to help you choose which plan best meets your circumstances. They offer quality investments, state of the art administration and the support of your association as an advocate for your agency. Look to us also for Group Long Term Disability, Group Short Term Disability and Group Term Life Insurance. www.independentagent.com/retirement .

RLI RLI's Personal Umbrella Policy stands atop your client’s existing homeowner and auto insurance to provide an extra layer of personal liability protection. With RLI's PUP program, auto or home coverage can be maintained with any insurance company provided the mandatory minimum underlying coverage limits are met. RLI’s @Home Business policy, responds to the needs of over 100 eligible business classes on an ISO BOP form. Premiums starting at $150, competitive commissions, easy underwriting and a self-rating application should makes this product an easy sell. www.iiact.org - Member Resources page / or call Rose Mullaly at 860-563-6510.

Business Resources Enjoy group discounts for a variety of services to assist in managing your agency. Caliper (employee testing) ; DHL (express delivery); Mines Press (printing); Big “I” Store (logowear); Hertz (car rental); Artizan Internet Services (Service 911, CSR 24). www.independentagent.com. Independent Insurance Agents of Connecticut - www.iiact.org - July 2011

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ARE YOU TAKING ADVANTAGE

??

??

OF ALL YOUR MEMBERSHIP HAS TO OFFER??

Big “I” Advantage Programs

InsurBanc InsurBanc is an independent community bank founded by agents exclusively for agents. You can rely on InsurBanc for custom products designed to underwrite your success, like acquisition and perpetuation financing and cash management services perfectly suited to the way you do business. www.insurbanc.com.

Virtual University www.independentagent.com/vu

Research Library For those who seek a smarter way to research, the VU provides access to hundreds of insurance, business and technology articles written by volunteer faculty and other contributors. Technical insurance articles and white papers on issues affecting today’s marketplace, often include links to full sample ISO forms. Resources in the VU are limitless.

Ask an Expert Service Sometimes you need answers to questions that can't be found in the research library. To help with these "just in time" issues, we have assembled a faculty of leading experts from around the country. Big "I" Members can submit questions to our "Ask an Expert" service and a response is usually sent within 3-5 business days, but often sooner.

Online Courses The VU offers a wide variety of online classes to enhance and expand insurance technical and business skills. Many designation programs are also available through the Virtual University.

Best Practices The Best Practices program provides member agents with meaningful performance benchmarks and business strategies that can be adapted to improve the performance of your agency, thus enhancing agency value.

Trusted Choice® In a world full of millions of media messages each day, differentiating the services of independent agents and brokers to consumers is critical. Trusted Choice®, the national consumer branding program sponsored by the Big “I”, uniting more than 10,000 independent agency locations and 53 insurance companies. Based on extensive consumer and industry research, Trusted Choice® highlights the value of the independent agent distribution channel: choice, customization and advocacy. www.trustedchoice.com

Governmental Affairs The Big “I” is your advocate on the issues that matter to your success, whether the issues occur in state legislatures, Washington D.C., your state insurance department, the NAIC, or the judicial system. Through common-sense, pragmatic legislative initiatives, we seek to protect your business while keeping the consumer in mind. Independent Insurance Agents of Connecticut - www.iiact.org - July 2011

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2010 - 2011 Officers Chairman Tom Wilson The Wilson Agency, Shelton Chairman-Elect Michael Gergler, CIC Wilcox & Reynolds, Storrs Treasurer Jim Suzio, CIC Suzio Insurance Center, Inc., Meriden Secretary Kim McGillicuddy, CPCU Pierson & Smith, Inc., Norwalk State Director Spencer Houldin Ericson Insurance Services, Washington Depot

IIAC Committees The Independent Insurance Agents of Connecticut has several committees which are dedicated to furthering both the benefits of membership and the professionalism of individuals within the insurance industry. Committee members are volunteers who are either an owner or an employee of a member agency. IIAC is always looking for new individuals to serve on its committees. If you are interested in becoming a committee member, please complete the information below and return this form to: IIAC, 30 Jordan Lane, Wethersfield, CT 06109 or email to the committee staff liaison Name: ___________________________________________________________________________________ Agency & Full Address: ______________________________________________________________________ Phone: (______)__________-__________

E-Mail: _____________________________________________

Indicate Committee: ________________________________________________________________________ Education Committee – members help create IIAC programs and locate teachers and resources. Staff Liaison, Ed Meaney, emeaney@iiac.org Executive Committee – members must be a principal in an IIAC member agency and are part of the governing body of the association. Membership on the committee is limited and must be voted upon by the Board of Directors. Staff Liaison, Warren C. Ruppar, wruppar@iiac.org Technical Committee – members analyze current industry topics and issues, make recommendations on how to handle, and funnel information to the Education Committee to create programs. Staff Liaison, Ed Meaney, emeaney@iiac.org Young Agents Committee – members create networking programs to promote young professionals in the insurance industry. Staff Liaison, Tracy Hearn, thearn@iiac.org Independent Insurance Agents of Connecticut - www.iiact.org - July 2011

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WHO ARE THE INDEPENDENT INSURANCE AGENTS OF CONNECTICUT? The Independent Insurance Agents of Connecticut was founded in 1899 as the Connecticut Association of Local Fire Insurance Agents. The organization’s name was changed in 1913 to the Connecticut Association of Insurance Agents. This name was considered more representative of the membership due to the expansion of the property-casualty business coverages and the increased presence of casualty and surety agents. In 1975 the organization became The Independent Insurance Agents of Connecticut to emphasize its members abilities to work with a variety of insurance companies and industry representatives. The Independent Insurance Agents of Connecticut has always been in the lead on important issues for agents. The list is long as IIAC has worked with regulators and the insurance industry on important issues such as agent licensing, anti-rebate laws, ownership of expirations, banking and insurance, and agent compensation to name a few. Today IIAC offers a wide variety of products and services to its members. The education calendar offers a full assortment of choices for licensing, continuing education and advanced degree programs. In addition, IIAC offers several insurance programs for our members that can be purchased to protect their agency business and insurance products that members can sell to their customers. IIAC also offers technical and regulatory assistant to our members. Technical advice is available at the staff level and through the Virtual University where you can “Ask The Expert.” In addition, IIAC meets regularly with the Insurance Commissioner and department staff to discuss current market conditions and consumers issues. IIAC is a strong advocate for independent agents at our state capital and in Washington D.C. Whatever the issue may be, IIAC is the voice for independent agents as we represent the interests of our membership. Our national association, IIABA is a predominant lobbying force in Washington and is constantly ranked among the top 10 of all the lobbying groups in the United States. The Big “I” mission succinctly captures our purpose: “to provide independent agents with a sustainable competitive advantage.” To accomplish that, IIAC is the unrelenting advocate on the issues that shape the environment in which our membership conducts business. IIAC is the voice in the halls of Congress, the state capital and in boardrooms across the nation.

INSURPAC InsurPac is the Political Action Committee (PAC) of the Independent Insurance Agents & Brokers of America (IIABA). It represents the unified political voice of IIABA's 23,000 member agencies and 300,000 agents and brokers nationwide. It is the largest property-casualty insurance industry PAC in the country, and is one of the primary reasons the Big "I" is routinely rated among the most successful lobbying groups in Washington, DC. "Lobbying and a well-funded PAC go hand-in-hand," says Charles Symington, IIABA's Senior Vice President of Government Affairs. "InsurPac's voice resonates through the halls of Congress on behalf of the Big "I". Every elected official knows that a contribution from InsurPac is a contribution from 23,000 small business owners." InsurPac raises funds by asking for voluntary personal contributions from independent agents and brokers throughout the country. By pooling money together, InsurPac helps elect candidates and re-elect members of the U.S. Congress who share IIABA's business philosophy. This concept of pooling personal contributions together for the greater good is essential to understanding the importance of PACs. As an individual, you can make the average contribution of $200 to a Congressman, or you can invest that $200 in a PAC, which in turn combines that with 9 other donors and gives the same Congressman $2,000. At the end of the day, PACs are able to speak with a collective voice that is much louder than that of an individual. It is impossible to overvalue the power of a collective voice -- of a collective InsurPac speaking on behalf of the Independent Agency system. Independent Insurance Agents of Connecticut - www.iiact.org - July 2011

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ASSOCIATE MEMBER - INSURANCE BROKERS AND SERVICES (Click on the Associate Members website for a direct link) Absolute Logic 917-658-9008 www.absolutelogic.com

Gill and Roeser Holdings, Inc. 212-972-3306 www.grholdings.com

ACE Private Risk Services 860-828-7931 www.aceprivateriskservices.com

Glass America 860-444-6344 www.glassusa.com

Agility Recovery 704-341-8700 www.agilityrecovery.com

HSB Associates, Inc. 860-722-5539 www.hsb.com

Arthur J. Gallagher Risk Management Services, Inc. 860-560-2766 www.ajg.com

Insurance Agency Accounting & Bookkeeping 860-614-7268 www.brendadicarlollc.com

Auto Glass of New England, LLC 203-375-4700 www.autoglassofnewengland.com

Insurance Engineering Solutions 860-429-5156 www.insuranceengineeringsolutions.com

Broadway Premium Financing 800-728-7255 www.broadwaypremium.com

InsurBanc 866-467-2262 www.insurbanc.com

CATIC Exchange Solutions, Inc. 860-513-3131 www.caticexchange.com

Iroquois of Connecticut, Inc. 860-621-8412 www.iroquoisct.com

Connecticut Interlocal Risk Management Agency 203-498-3000 www.ccm-ct.org/insurance/

Kapura Cleaning & Restoration 860-747-2100 www.kapurarestoration.com

Connecticut Underwriters, Inc. 860-347-9600 www.ctunderwriters.com

Joseph Krar & Associates 860-628-3967 www.jkrar.com

Crystal Restoration Services 203-853-4179 www.crystal1.com

J.P. Maguire Assoc., Inc. 800-233-8220 www.jpmaguire.com

Paul Davis Restoration 860-539-0911 www.pdrestoration.com

Anthony Martini & Company, Inc. 203-445-6640 www.thatsmybroker.com

Demetriou General Agency, Inc. 212-897-6912 www.demetriougroup.com

McGrath Insurance Group, Inc. 508-347-6850 www.mcgrathinsurance.com

For information on how to become an Associate Member of the Independent Insurance Agents of Connecticut and a complete list of benefits, please visit the “Join� page of our website or contact Rose Mullaly at 860-563-1950 or email rmullaly@iiac.org Independent Insurance Agents of Connecticut - www.iiact.org - July 2011

Page 27


ASSOCIATE MEMBER - INSURANCE BROKERS AND SERVICES (Click on the Associate Members website for a direct link) Maynard Insurance Group 203-318-0008 maynardinsgrp@yahoo.com

ServiceMaster by Wills 860-447-3265 www.servicemasterbymason.com

Mergers & Acquisition Services 212-750-0630 www.merger-acquisition.net

SERVPRO Cleaning and Restoration of New Haven, Waterbury & Naugatuck Valley 1-800-243-8812 www.servproofnewhaven.com

Oakbridge Insurance Services 860-906-0120 www.oakbridgeins.com

SERVPRO of Manchester-Bolton 860-649-0836 www.servproofwesthartford.com

Premium Assignment Corp. 603-421-1953 www.premiumassignment.com

Steamatic of CT 203-985-8000 www.steamaticct.com

JN Phillips Auto Glass 781-939-3400 www.877autoglass.com

Target Insurance Services 860-284-0088 www.target-capital.com

Pro-Klean Cleaning & Restoration Services, Inc. 866-463-2313 www.pro-klean.com

Thompson Agency, Inc. 860-693-4999 www.thompsonagency.net

PuroClean Mitigation Services 860-516-8083 http:..ms-ct.puroclean.com

Travel Insured International, Inc. 860-528-7663 www.travelinsured.com

Renaissance Group, Inc. 860-307-2957 www.renaissanceins.com

United Cleaning & Restoration, LLC 800-835-0740 www.unitedcr.com

Robert Hensley & Associates 860-678-1090 www.hensleyasociates.com

XS Brokers Insurance Agency, Inc. 617-471-7171 www.xsbrokers.com

Servicemaster QRV Regional Group 203-386-1565 www.servicemastergb.com

For information on how to become an Associate Member of the Independent Insurance Agents of Connecticut and a complete list of benefits, please visit the “Join� page of our website or contact Rose Mullaly at 860-563-1950 or email rmullaly@iiac.org

Independent Insurance Agents of Connecticut - www.iiact.org - July 2011

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ASSOCIATE MEMBER - INSURANCE COMPANIES (Click on the Associate Members website for a direct link) Acadia Insurance Company 860-331-2391 www.acadiainsurance.com

Kemper, A Unitrin Business 203-775-5846 www.ekemper.com

American Commerce Insurance Company A MAPFRE Company 800-922-8276 www.acilink.com

MetLife Auto & Home 860-668-2699 www.metlife.com

The Andover Companies 860-257-7286 www.andoverco.com

MiddleOak 860-638-5132 www.middleoak.com

Chubb & Son Insurance 203-782-4115 www.chubb.com

NLC Insurance Company 860-887-3553 www.nlcinsurance.com

C N A Insurance 860-513-6460 www.cnacentral.com

Ohio Mutual Insurance 419-563-0959 www.omig.com

Connecticut Fair Plan 860-528-9546 www.ctfairplan.com

Peerless Insurance 860-571-2201 www.peerless-ins.com

FirstComp 888-500-3344 www.firstcomp.com

Pennsylvania Millers Ins. Co. 860-677-8488 www.pennmillers.com

General Casualty Insurance 860-570-0802 www.generalcasualty.com

PMA Insurance 203-379-3825 www.pmagroup.com

Great N.Y. Mutual Insurance Company 860-652-7090 www.gny.com

Progressive Insurance Company 800-274-4055 www.progressiveagent.com

Harleysville Worcester Insurance Company 800-225-7387 www.harleysvillegroup.com

Safeco Insurance 603-358-4156 www.safeco.com

The Hartford 860-409-6150 www.thehartford.com

Seacoast Brokers, LLC 843-341-1600 www.seacoastbrokers.com

HCC Global Financial Products 860-674-1900 www.hcc-global.com

State Auto Insurance Companies 860-633-4678 www.stateauto.com

The Hingham Group 781-749-0841 www.hinghammutual.com

Utica National Insurance Group 800-695-1914 www.uticanational.com

For information on how to become an Associate Member of the Independent Insurance Agents of Connecticut and a complete list of benefits, please visit the “Join� page of our website or contact Mullaly at 860-563-1950 or email rmullaly@iiac.org Independent Insurance Agents Rose of Connecticut - www.iiact.org - July 2011 Page 29


The Connecticut Independent Agent